Equine and Horse Insurance in Texas
We help Texas horse owners and equine businesses review mortality, medical, liability and property coverage. Include boarding, training, lessons and horses owned by someone else.
Horse ownership or an equine business?
Start with how you own, keep or work with horses. Caring for someone else's horse calls for a care, custody and control review alongside business liability.
Key coverages to review
Mortality and medical coverage
Bring age, use, health history and value records for each horse. Ask about eligibility, available mortality, medical or surgical options, exclusions and reporting or consent requirements.
Horse owner liability
Explain where horses are kept, how they are used and who interacts with them. Check which people, activities and locations are addressed by existing liability coverage.
Equine business liability
Include customer horses, instruction, events, employees and services for others. Commercial liability and care, custody and control need a specific review. Explore business insurance
Property and transport coverage
Review barns, arenas, tack, horse trailers and towing vehicles. Loss of the horse, damage to the trailer and vehicle, and liability during transport are separate questions. Include paid hauling and horses belonging to others. Review Farm & Ranch insurance
There is no single horse-value cutoff
Review the horse's use, value, health and existing coverage together. For boarding, lessons or training, include agreements and customer horses, even when the arrangement is informal.
What to have ready
Bring your current records and policies.
- Each horse: age, breed, use, health history and value records
- Ownership and locations, including horses in your care that belong to others
- Boarding, training, lessons, events and employee details
- Buildings, tack, horse trailers, towing vehicles, drivers and transport arrangements
- Existing insurance, agreements and requested insurance requirements
Talk with our Texas team
Stover & Crouch is an independent Texas agency, established in 1920. We help you compare insurance options for your horses, property and equine activities.
Meet our teamEquine insurance questions
What is the difference between mortality and medical coverage?
Mortality insurance addresses loss of the horse from covered causes. Medical or surgical coverage addresses eligible veterinary expenses. Compare covered causes, exclusions, valuation and notification requirements for each.
Does a homeowners or farm policy cover my horse?
Review the policy for both loss of the horse and liability involving it, including ownership, use and limits. Boarding, training and lessons also need to be included in the review.
What if I board or train other people's horses?
Bring details of the customer horses, services and agreements. Review commercial liability for your business and care, custody and control for horses belonging to others.
What should I check before transporting a horse?
Review the horse's transit terms, trailer and towing-vehicle coverage, drivers and liability. Tell the office about travel for events, paid transport or horses belonging to others.
Review your horses and activities
Tell our Texas team how the horses are used, where they are kept and any services you provide. We will explain the options and coordinate any specialist review needed.
Stover & Crouch Insurance Based in Texas. Established in 1920.